The Study On Loan Of State-owned Commercial Bank In Asymmetric Credit Information

There are appeared adverse selection and moral hazard in credit market with asymmetric information, increasing credit risk. National commercial bank came forth credit centralization and credit restrain to keep away and control the credit risk, reducing efficiency of resource in the credit market and influencing transmit mechanism of effective policy of centralbank.Author considers that signaling and mechanism design can decrease the adverse selection and the moral hazard with information according to dominated interest rate. In addition, national commercial bank can improve the efficiency of collecting and transferring and power of screening through regulating of credit personnel and innovation of organize and management, it will be achieved to reduce the credit risk and to improve efficiency of resource ordinance in credit market.